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The American health insurance market continues to be an unpredictable rollercoaster where institutional, normally reliable insurers keep pulling out of the Affordable Care Act (ObamaCare) exchanges, leaving gaping holes throughout the country which is leading to monopolistic conditions in many states. Take California for example. Anthem Blue Cross, the nation’s second largest healthcare provider, earlier […]

Figuring out what benefit options to select from your employer can be a challenging task. The difficulty only increases when both you and your partner receive benefits from your respective employers. You may have many questions as you face competing benefit plans, such as which health insurance plan to pick or what benefit will save […]

If you are 65 years of age or older and on Medicare you’ll soon be issued a new Medicare identification number. Medicare is attempting to fight identity theft issues and will be going away from using social security numbers for identification. Subsequently a new Medicare identification number is going to be issued. The new card […]

Sign-up for Healthiest You! Telemedicine is like UBER for healthcare! When you make a purchase online, do you choose next next-day shipping? When you have a free weekend, do you binge-watch an entire season – or two or five – of your favorite show? We live in a world where instant-access – to our favorite […]

When was the last time you updated your life insurance coverage or the life insurance beneficiaries designated to receive the proceeds of your policy(ies)? It’s hard enough to sit down and buy coverage in the first place. Once we have that coverage, many people stuff the policy in a drawer and forget about it. There’s […]

A case study illustrating how an indexed universal life insurance policy can supplement traditional retirement savings vehicles. Sonny and Maureen were just entering their 50s and found a lot of their discussions were starting to focus on their retirement. They began to look at both their savings and their anticipated work income until retirement to […]

If you are looking to use a cash value life insurance policy to create a retirement income supplement this video may help you understand the basic concepts a little more. This video was produced by Securian and Minnesota Life. The video covers some of the basic topics and advanced topics central to cash value life […]

So you’re thinking about purchasing a life insurance policy, but not sure which policy to choose. Whether it’s term or permanent, you will want to understand the fundamentals between the two categories. One of the really confusing things about purchasing a life insurance policy is there are dozens and dozens of different types of policies […]

Does your company offer Group Health Insurance? If yes, you may be able to save 20-40% on your health insurance premiums by switching to Alternative Funding! What is Alternative Funding? Some small businesses in order to save money on their group health insurance plan will elect to self-insure or self-fund. This is known as self-funding. […]

The new Health and Human Services (HHS) regulations will have made changes to short-term medical insurance rules by limiting new policies issued to only having 3 month durations, if purchased on or after April 1st, 2017. There is still time to enroll in longer duration short-term medical insurance thru the end of March 2017; additionally most […]

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